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Why work with an Independent Agent?



A Travelers independent agent provides the personal attention you need in today's economy.

Some consumers are comfortable managing their own insurance needs. Others prefer the personal service and attention that an independent agent provides. Here are a few examples of what a trusted agent can offer.

Since independent agents often represent numerous insurance companies, they know exactly what options are available in the market. A consultative agent will help you consider the countless coverage options available to you. From special needs to unique discounts, an agent can help consult and advice in your best interest. There are many savings to be found - discounts and credits for being a good student, driving a hybrid vehicle, multiple cars on a policy or possessing anti-theft systems. Agents can help you take advantage of these discounts.

Every insurance situation is different. The ultimate purpose of insurance is to protect you, your family and your assets should the worst happen. Many factors are involved in determining the proper coverage. An established relationship with an agent will put you in the best position to get the proper policy, protection and price to meet your unique situation. If you're just beginning a relationship with an agent, be prepared to be asked questions that will ultimately lead to determining the proper coverage for you. Remember, it's not always about finding the lowest premium; it's about having the right coverage to fit your needs.

Let's face it: Insurance can be a complex subject. Your independent agent has the expertise and can take the time to make sure you understand all aspects of your policy. Don't be afraid to ask questions. When it comes to protecting your family and your assets, there is no question too basic.

They can manage multiple policies. Auto insurance is just one form of protection, but home, umbrella, flood, and other personal insurance products are equally important. What's more, savings can be realized by combining two or more insurance policies under the same carrier. Additionally, you'll have one main contact person for all your insurance needs.

They can keep you apprised of future news and products. While the new era of managed competition began on April 1, 2008, auto insurers will be rolling out new features and products for months and years to come. If you have a solid relationship with your agent, he or she will be likely to alert you when new discounts and products are available. Otherwise, you'll need to subscribe to insurance trade publications and continue to scour the news on a regular basis to stay updated.

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